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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Everybody writing - nobody reading?

Everybody is writing and nobody reading? Writing takes all the time available.. I should of course not complain as my posts here have soon generation one million page views... But we do live in a time of COMMUNICATION CRISIS as the technology and information avalanche is fragmentating audiences into ever smaller groups - where everyone has less tim...

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Malware , the Achilles Heel of Mobile Adoption

Malware is hitting mobile like nobody’s business. It is a sad fact of life - hackers, fraudsters, cyber-criminals and the like will never go away and will evolve and adapt as our payment landscape evolves too. The real question is whether we have the tools to counter those malware attacks so our customers can securely do their business on their mo...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Why you should ASK for proper e-invoices

With proper I mean structured e-invoicing - not e-mailing PDFs (as bad as paper mail - or even worse due to spam filters..). So why? Your supplier Especially small enterprises can easily move into e-invoicing as so many service providers - among them almost all banks by know offer simple input templates both for single invoices and file transfer. I...

/payments

Retired Member

Retired Member 

What stops people switching bank accounts? The Abbey habit

The new Current Account Switching Service in the UK has now been live for four months, and has been accompanied by a pretty impressive marketing campaign – TV ads, radio, print, web and even billboards extolling the virtues of the new service. Individual banks are also advertising hard to win new customers and keep the ones that they already have...

/retail

Retired Member

Retired Member 

Bitcoin vs real life

Heated polar debates over Bitcoin are in full swing. Even the banking community, let alone non-fin companies, are divided in their opinion. With over 80 (!) competitors and wannabes, Bitcoin is not the only cryptocurrency out there. More schemes are in the making. Only a couple will survive long-term (and Bitcoin may not be one of the winners). ...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Why you should OFFER proper e-invoicing

With proper I mean structured e-invoicing - not e-mailing PDFs (as bad as paper mail - or even worse due to spam filters..). So why? Your customer 1. gains convenience - especially with simple mobile payment approval 2. saves cost in the region of 15-30€ per invoice as payment approval and payments can be automated 3. saves much more when accountin...

/payments

Brett King

Brett King CEO & Founder at Moven

Financial Inclusion can't be settled with Branches

I was in India a few weeks ago speaking to the Reserve Bank and most of the primary Retail Banks about the impact of mobile and social media on the industry there. The new RBI Governor in India, Raghuram Rajan, has ruffled some feathers with his unconventional approach thus far, but he has his work cut out for him with a very traditional market, w...

/regulation /retail

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Customer Experience vs Strong Security: What's the Answer?

It’s good to see the Bank of Scotland focussing on the mobile customer experience. Clearly they see this as a significant competitive advantage, and promoting it as such, whilst also highlighting the security features of their approach. With mobile, streamlining the login process, enrolment and activation is key if banking apps and wallets are to ...

/payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Predictions for 2014: Voice Biometrics Go Mainstream? Part 2

2014 will also see Voice Biometrics becoming mainstream. Apple have paved the way for biometrics to be adopted in a mainstream manner with the introduction of fingerprint readers on the iPhone. Voice Biometrics is a tremendously powerful, intuitive technology that can be implemented in a low-friction and invisible manner and provide very strong se...

/security

Jp Nicols

Jp Nicols Managing Director at FinTech Forge

Gaining the Collaborative Advantage in Banking

Bankers have long sought a competitive advantage in a vast sea of largely undifferentiated competitors. For most players, and for most of the industry’s long history, the chief weapons in this war have been scale and localization. Either growing large enough to create economies of scale and/or scope, or trying to corner one or more local markets b...

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